Health Insurance Plans for Family

Yes, at any of our in-network hospitals.

You can buy Care family cover at the Care Health Insurance site and select a suitable health plan. Once you fill in the required details and choosing the desired sum insured, you can purchase the policy through our secure digital payment modes.

You can cover Self, Spouse, dependent children and parents.

Family health insurance covers more than one family member in a single policy. This plan is best for young couples or small families with older parents. It covers them all with a common sum insured. Individual health plans are for people who need a policy for one family member, an older person, or someone very sick.

Health insurance premium tends to increase with age - more the age, higher the premium.You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.

In addition, each 'no claim' year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of 'no-claim' bonus varies from company to company.

Lastly, income tax benefit under Section 80 D of the Income Tax Act.

Insurance is a contract of utmost good faith. It always pays to be honest. Declaring the correct and accurate health status at the time of buying health insurance ensures smooth processing of your application. This will also help us service you in a better manner.

Buying an individual cover or a floater cover is an individual's perception. However, as a general rule, at younger ages floater cover is advisable. As you grow older, you should go for an individual cover or better a senior citizen health policy.

For instance a person wants a health insurance for himself, his spouse & their children; the Family Floater plan offers insurance coverage to the entire family under one premium payment. Let's take an example wherein the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 1 lakh each, he ends up paying premium ranging between Rs. 1000 - Rs. 2000 for each family member. On the other hand if the person would have opted for the family floater plan with the sum insured of Rs. 3 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Moreover the separate health plan holds the cover of only Rs. 1 lakh as against Rs. 3 lakh in case of the Floater plan thus helping the family in case the medical treatment costs go beyond that. This Rs. 3 Lac is available for each of the family members individually as well as collectively.

This concept works on the same lines as the no-claim bonus on your car insurance. A Policyholder, who hasn't made any claim in a year, can use the bonus to their benefit the following year.

Similarly, CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. So, a policy with a sum insured of Rs 5 lakh, will get an extended cover of Rs 50,000 the following year at the same premium. A claim-free third year will see him earning another ten per cent extra cover on his base sum insured, taking the total to Rs 6 lakh. A maximum bonus of up to 50 per cent is permissible.

In case of claim, the accumulated bonus is reduced by 10%.

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.

You may be required to undergo a medical check-up after you buy, in case any member to be insured is above 45 age or for sum insured Rs. 15 Lakhs or above. In most of the cases, the medical tests are done in your home, after taking appointment from you. No payment is required upfront for the same. In case the policy is issued, you will not be charged anything. However, if the policy is declined/Canceled, medical charges will be deducted from the refundable premium amount. This will enable us a better understanding of your current and future health requirements. For further details, please refer to the prospectus or call 1800-102-4488 (Toll free).

We offer a free look period to review your policy terms and conditions. In case you are not satisfied with these, you can request for cancellation of your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

Also, you can request for cancellation of your policy at any time during the policy period. You will be refunded the premium amount as per the short scale grid. The grid is available in your Policy Terms and Conditions. However, in case you have reported any claim with us, you will not be entitled to any refund of premium on cancellation of the policy.

Health Insurance companies use Co-Payment after insured member turns a certain age. Co-pay is that part of your claim amount, which you have to bear. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% and claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10K) and you will bear 20% (Rs. 2,000). In Religare Health Insurance policy there is No Co-payment ever, if insured with us before age of 61.

You can apply for CARE under portability with following documents:

• CARE proposal form
• Portability form
• Copy of expiring health insurance policy
• Copy of renewal notice

You can get multiple health insurance policies and use the benefits of each. You can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose an insurer to settle the claim. If you have selected Care Health Insurance, we will settle your medical expenses, subject to the policy T&C.

The sum insured can be increased when you renew the policy, subject to the underwriting decision of the company.

Yes, Coronavirus treatment is covered under Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

You can add family members to an existing policy at the time of renewal.

You can, but using our senior citizen plan is smarter. Having their own policy will give them a higher benefit. It will also cost less because the price of a family policy is based on the eldest member's age.

The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.

Yes — subject to the policy terms and conditions.

Go to the claim section of our website and enter your relevant details.

Ideally, you should buy family insurance before any health emergency knocks at your door. Timely safeguarding your family's health helps you reserve your savings for life's bigger events like buying a car or home. Most importantly, family plans lower your financial burden against India's expensive healthcare treatment costs. Given the pandemic, your family needs appropriate access to quality medical treatments at affordable rates. That's possible only with a suitable family mediclaim.